Equifax 802, Transunion 848, Experian 839. Tackling those reasons will help improve your score along with practicing good credit behaviors. Fiance's scores are 770 and 760 for Equifax and TransUnion respectively. Identity Guard. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. General FICO ® Scores range from 300 to 850, and so do VantageScore 3. 8/5 (74 votes) . For example, Experian puts a 35% emphasis on your payment history, whereas TransUnion puts a 40% emphasis on this category. 95 per month and include daily credit updates, recommendations, credit locks, monthly tips and more. On Credit Karma you’ll see scores and reports from TransUnion and Equifax, both using the VantageScore 3. Different FICO models can produce very different scores. A few inquiries a year is normal, but may cause a temporary drop in your credit score. 1. Re: Transunion credit score is 35+ points lower than Experian and Equifax scores. between my two scores could stem from the fact that Equifax reports a slightly longer history and more accounts than TransUnion. So, it's possible that Equifax and TransUnion could have different credit information on your reports, which could lead to your TransUnion score differing from your Equifax. My Equifax is more than 100 points lower than my TU score. The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data. Variations in the data reported by creditors and lenders, as well as. It shows my Transunion score from 4 months ago -February 2015 (score=715) and my Equifax score (NO SCORE) as of 1 - 4072030. 580-669: Fair. Would these all be the same? Not necessarily. Key Takeaways. . com and my transunion fico score is WAY lower than my Equifax fico score. To maximize all these scores you. There are a number of reasons for this. I just pulled my Transunion and Equifax FICO scores from myfico. Secured credit cards are a special type of card that requires a cash deposit to insure purchases made with the card. Credit Score: Equifax vs Transunion. Why is my Experian score 100 points higher than TransUnion? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. TransUnion provides the VantageScore 3. Feb 25, 2022. Their behavior is governed by the FCRA. Your Equifax credit. First, the Experian scoring model may differ from the ones used by TransUnion and Equifax. We are Indianapolis’s only Licensed, Bonded & Insured full service credit consulting company, InCreditable Advisors, give us a call today and let us help you improve your credit at 317-202-1297 to schedule your appointment today. One or more of your lenders aren't reporting to Transunion. 0 adopted the same. Multiple factors could account for why your scores are different. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. While the high end of the range are all within 10 points of each other, the lower end shows a much larger span. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. Why is my Credit Karma score higher than my actual score? This is mainly because of two reasons: For one, lenders may pull your credit from different credit bureaus, whether it is Experian, Equifax or TransUnion. Financial experts typically recommend that your credit usage is below 30 percent of your credit availability. The higher a score is on this scale, the better indication that the consumer poses a lower risk to creditors. My Equifax Dispute. The scores are off because the formula is different, factors in different things as compared to FICO, and score ranges are different than FICO's (e. One uses FICO Score 9 based on data in my Equifax credit file. Would love to know the answer! Hello - 1303709Understanding credit score ranges. Current spread is 81 points. TransUnion scores better than Equifax across: Plans and Pricing, Report Details and Frequency, Credit Bureau & Credit Scores, and Monitoring and Extra Features. Over the past couple of months, I have watched both my Experian and Equifax scores shoot up significantly, and yet my Transunion score has only gained a small few points, and actually dropped, even more. It's just a list of your current outstanding loans, and if you're in good standing with them. I haven't yet gotten a FICO on my EX report, but I know my EX report has a ton of other accounts on it and all my HPs from the last 24 months. Why is my Experian score 100 points lower than TransUnion? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. Why is my Equifax 100 points higher than TransUnion? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. Why is my TransUnion score so low compared to Experian? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and. I had a few accounts and debts on my report that have all been. Experian Credit Reporting and TransUnion Credit Reporting are very close in quality and have the same overall rating. Good habits, such as making payments on-time and using less of your available credit, among others, can help you improve your credit health over time. Equifax, meanwhile, uses its own scoring model with a range of 280 – 850, with “good” being 670 – 739 and higher. Debt balances make up about 30% of the typical credit score. Equifax scores range from 280 to 850. 6 Their services allow you to monitor your VantageScore credit score but not your FICO score. That's funny. Finally, let’s address what might be the most frightening reason for a drop in credit scores: Someone could have stolen your identity and applied for (and opened) credit accounts in your name. Experian utilizes the FICO scoring model while TransUnion scores are based on the VantageScore model. Yes, equifax and transunion from credit karma so vantage score 3. A few hours later, my Equifax Vantage Score 3. This is known as “credit utilization” or “credit usage ratio. company, sells its score to both Equifax and TransUnion. ”. If you have had missed payments on this loan, then you will find your TransUnion score is a lot lower than your Experian or Equifax score. They are two different companies that offer two different, albeit similar, products. Why is my TransUnion and Equifax score different? The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. One of which is that they use different algorithms to calculate your credit score. Also it is at least possible that this is simply a question of the different scoring algorithms computing a different score. VantageScores above 780 are considered “superprime” while those between 601 and 660 are “near prime. Recently got a credit check for a mortgage and the Equifax score was 700, much lower than expected. It is really affecting me getting an auto loan. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit. Generally, the credit bureaus collect information from different sources and have their own scoring model. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. TransUnion offers more insight into a person’s job history, whereas Equifax provides more information about mortgage history. 2. So, it's possible that Equifax and TransUnion could have different credit information on your reports, which could lead to your TransUnion score differing from your Equifax. 0 and 4. " On the next page, click on the "Reports Only" tab. Why is my Equifax score so low? Your Equifax score is lower than the other credit scores because there is a slight difference in what is reported to each credit agency and each one uses a slightly different method to score your data. Lenders like to see that the outstanding total balance on your credit cards is below 30% of what you have available. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. It should just be math. They. in 2020 TU was ~40 lower than my EQ and ~30 lower than my EX. The latter recognizes that I have a $27 delinquency, whereas Transunion says my credit report is clean. Why is my Equifax score 100 points lower than TransUnion? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. If your credit file is different with each credit bureau, then your credit score might be different as well. They have change slightly since I originally post the. When people obtain their credit score through Transunion and Equifax, they are often surprised to see a different credit score from each bureau. Some key factors in your scores, like on-time payments and age of credit history, can take several months or even years to establish. You also have auto, mortgage and bankcard scores. Why is my Equifax score lower than Experian? This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at any given time. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. THere are many more than that. In my experience, equifax is always lower than Transunion (mine is 40-50 points lower last I checked) Two different companies with two different products and methods of coming up with scores. Would love to know the - 1303709And FICO says scores between 670 and 739 qualify as good scores. Good. I painstakingly fixed my credit score after several years of lousy credit and monitor my score regularly through CreditWise from CapitalOne, which is based on TransUnion, and from USAA which uses Experian. Re: Why did Equifax Credit Score Drop 9 Points For No Reason/TransUnion Stayed stable. 164 (including taxes/handling charges). Why is my Experian score lower than TransUnion and Equifax? This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at any given time. This means that there is not only a clear 200 point difference between these two bureaus but the “perfect scores” are also different, which is 1000 as reported by Experian and 1200 as reported by Equifax. My suggestion is pulling the EX report and really going over it line by line, comparing it to your other reports. FICO is the most well-known and widely used scoring model, as 90% of major lenders rely on those scores when evaluating applicants. Under the menu, click on “free credit score”. Here’s why your FICO® Score 9 credit scores could be different. This is because your total available credit is lowered when you close a line of credit, which could result in a higher credit utilization ratio. That’s because a major factor in credit. FICO® Score 9 looks at medical debt, paid collections and rental history differently than previous versions of the FICO® credit-scoring models. Why is my TransUnion score way lower than Equifax? The credit bureaus may have different information. This month I've had two statements reported on Feb. TransUnion vs. This is one of the least forgiving bureaus because much more weight is assigned to your payment history and the average age of your credit accounts. Here are the services that. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. These are what you see when you look up your. Provided your lenders report your payment history to the three nationwide consumer reporting agencies, a secured credit card can be a powerful tool for building and improving credit. com. Why is my TransUnion score so much lower than Equifax? The credit bureaus may have different information. The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. Some lenders only report to one credit bureau, while other lenders report to both. The other. | Last update: February 9, 2022. TransUnion uses the VantageScore ® credit scoring model to calculate your credit score. Experian always seems to be my middle score while Equifax brings up the rear. Learn more. Multiple factors could account for why your scores are different. If all is well, each agency should have all of your information identically. On the other hand, TransUnion’s CreditVision Risk Score looks at data over the past 24 months. You also have an Equifax FICO® Score 8 and a TransUnion FICO® Score 8. I think this is due in part to (1) some of my inquiries hit only Equifax rather than TU, and (2) for some bizarre reason, Equifax isn't calculating my age of accounts (it says N/A or something like that), nor is it accurately reporting my credit limit. Not all lenders report to the other two. When people obtain their credit score through Transunion and Equifax, they are often surprised to see a different credit score from each bureau. Great chance you are comparing a score from Credit Karma with a range of 501-990 versus the score your bank is using. According to the company, FICO® scores are used today by 90% of top lenders to make lending decisions. My Equifax report still lists my employer as "Parental Allowance" from when my parents helped me get my first credit card at 18. Chase favors Experian, but may also buy Equifax or TransUnion reports. Your score differs. Score: 4. You’ll be able to attach supporting documents to your dispute if you submit it directly with TransUnion. Help spot potential signs of ID theft with 3-bureau credit file monitoring; Control access to your Equifax credit report, with certain exceptions, with the freedom to lock and unlock it; Uncover potential threats to your identity with dark web scanning and alerts Go to TransUnion’s site and submit a new dispute. Below are the reasons mentioned for Equifax:What is the difference between Experian and Equifax and which one might be better for you? Read more to find out. The CRA each calculate their scores uniquely so they do tend to move differently for different things. Why is my Transunion score 35+ points lower than my other scores and is there a way to dispute the score calculation? (I have 6 additional hard inquiries on my Transunion report that are 1-2 years old and I think those might be affecting my score, even though they are over 1 year old). Final Verdict. Of course, getting at or close to 0% is best. At first, VantageScore credit scores featured a different numerical scale (501 to 990). The answer is easy. Score: 4. VantageScore 3. Poor: 300 to low 600s; Fair to good: Low 600s to mid 700s; As you can see in the examples above, Nate’s Experian FICO Score 9 was 25 points higher than his VantageScore from Transunion and 20 points higher than his VantageScore from Equifax. No disputes, no reason to cause them to be removed. Equifax Equifax scores range from 280 to 850. Along with educational articles, it offers several loan and mortgage calculators. A credit score is no more than a snapshot of your credit profile at one point in time. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same information. The other two only report the name of your employer and do not add any weight to that fact. It's also the least friendly to those just starting out building credit. If you’d like to know more about the factors that influence your credit score, read our article on how credit scores are calculated. ALL of my AU accounts that have been reporting for over a decade were removed from Equifax over the past week. VantageScore uses three different credit bureaus — Experian, Equifax, and TransUnion — to compete against FICO, and each bureau uses different algorithms. . Deriving from the name of its founder–the Fair Isaac Corporation – the FICO score is a general purpose credit scoring system that was created with the intent of eliminating inconsistencies between each lender’s own system. Find The Best Credit Reporting. Even if they have the same accounts and balances they may classify them differently. Yes, equifax and transunion from credit karma so vantage score 3. No searches, no defaults no nothing. Source: Based on the VantageScore, FICO score, Equifax, and Experian credit score range model. On Credit Karma you’ll see scores and reports from TransUnion and Equifax, both using the VantageScore 3. TransUnion. So, it's possible that Equifax and TransUnion could have different credit information on your reports, which could lead to your TransUnion score. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. " 03-23-2012 12:19 AM. That applied to both individuals and family plans. Though both TransUnion and Equifax do the same thing (calculate your credit score), they do it in different ways – which means it’s not unlikely that your credit score may be slightly different between the 2 companies. Re: Transunion credit score is 35+ points lower than Experian and Equifax scores. Some people want to achieve a score of 850, the highest credit score possible. Both FICO and VantageScore assign higher credit scores to consumers deemed as lower-risk borrowers, and both currently range from 300 to 850. 1. However being under 700 on one while being over 800 on the other is unusual. The other uses VantageScore 3. We would like to show you a description here but the site won’t allow us. . When you log into your Credit Karma account, you can access your free credit reports and scores from both TransUnion and Equifax. A “good” score may rest in the 661 – 720 range. Other factors used in determining. This purchase is only good for a one-time view. Above 800 = Exceptional. When the scores are significantly different across bureaus, it is likely the underlying data in the credit bureaus is different and thus driving that observed score. First, lenders often perform what’s known as a credit check or a hard inquiry to review your credit reports and determine if you’re a suitable candidate for a loan. Also, back in the FICO 04 days, the algorithms were customized for each CRA. FICO credit scores, the industry standard for sizing up credit risk, range from 300 to a perfect 850—with 670 to 739 labeled “good,” 740-799 “very good” and 800 to 850 “exceptional. For instance, if you have a credit card with a $1000 credit limit reporting as a $100 credit limit, this could cause a big hit to your credit utilization ratio. All you need is to follow the steps below: Login to your CIBC account on the mobile app. The scores may have different interpretations, a 600 from Equifax may be equivalent to a 700 from TransUnion. In other words, your credit utilization rate is how much of your available credit you’re using at any given time. In addition, late payments remain on your Equifax credit report for seven years. 1. Why is my TransUnion score lower than my Equifax? The credit bureaus may have different information. 5 reasons your FICO score may be lower than your credit score. Score: 4. ”Earlier this year, pharmacy technician Curtis Webb thought his credit score was high enough to help him snag good terms on a mortgage. Helpfully, and perhaps defensively (if it does report lower scores than the other bureaus), Experian has an explainer article. These scores are not provided by Credit Karma. Experian gives a more detailed picture of a person’s financial history, including payment timeliness and debt utilization. 0 on Credit Karma will likely be different from your FICO Score that lenders often use. My FICO went up like with the equifax reported by credit karma. Experian CreditWorks Basic: View your Experian credit report for free every month. It breaks down your credit history, management and behavior reported by lenders to the big three credit bureaus (Equifax, Experian and TransUnion) into an algorithm that creates your score. Like, TransUnion and Equifax both get told about all your credit lines and debts, so they should both have all that data. Equifax vs. Sponsored. Experian should give you the negative reason codes that are holding or suppressing your scores if you click on your FICO8 score. The lower Equifax score compared to TransUnion can be attributed to the different factors and weighting used in their credit scoring models. The base FICO ® Scores range from 300 to 850, while FICO's industry-specific scores range from 250 to 900. Financial experts typically recommend that your credit usage is below 30 percent of your credit availability. These factors are likely to yield different credit scores, even if your credit reports are. Why is my Equifax credit score 37 points lower than my Experian score, and 47 point lower than my Transunion score? I have compared all 3 of my credit reports. It provides two scores, one based on credit bureau data from Equifax and the other based on data from TransUnion. The VantageScore 3. TransUnion includes personal information and employment data, while Equifax focuses more on credit behavior and traditional credit data. Mostly just confused why the transunion would have gone down regardless of the model used. The average VantageScore 3. They’ll be in red and in order of importance. Equifax and TransUnion scores can only be as accurate as the information they receive. Why is Equifax always lower than TransUnion? Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. . A “good” score may rest in the 661 – 720 range. And a lender may report updates to different bureaus at different times. Then there are “educational” credit scores. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit. If a collection shows up on Experian, but not the other two bureaus, you Experian credit score will be lower than your TransUnion and Equifax scores. Length of credit history: 15%. Your VantageScore® 3. Both companies collect credit information on individual consumers, which they sell to lenders and. 0 scoring model. Score differences are very common and are usually the result of small variations of when information is reported and how it is weighted . They might also weigh your information differently depending on the type of credit account for which you've applied. My scores are 850, 850 and 840 for Experian, Equifax and TransUnion, respectively. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same information about your. Even if the two bureaus received. There is now, an almost 50 point difference, in the negative, between my Transunion score and the others. The information is compiled into a credit file. TransUnion is bringing up the rear among the three. Message 3 of 6. 0 and 2. There are many different scoring models. 95 a month. In Nate’s case, Credit Karma was accurate enough to say that he had an excellent credit score, but wasn’t perfect. The lower Equifax score compared to TransUnion can be attributed to the different factors and weighting used in their credit scoring models. The other two only report the name of your employer and do not add any weight to that fact. Generally, anything over 556 is an acceptable credit score. For example, let's say you're going to buy a house. The Differences Between Equifax, Transunion, and FICO. Experian is often a way better monitoring system based on their record keeping. In my experiance, they seem to be more up to date on your payment history, but not your balance. A 150-Point Difference in ScoresSimilarly, if you pay off a credit card debt and close the account entirely, your scores could drop. It’s also important to note that credit scores are only sometimes 100% accurate and can vary. My Equifax (from Borrowell) is consistently 80-100 points lower than my TransUnion score (from CreditKarma/BMO), despite both reports showing the same credit accounts, inquiries and lack of collections or other negative items. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data. Credit mix: 10%. Why is my Equifax score so much lower than Experian? This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at any given time. If you’re wondering why your Experian score is lower, you’re in the right place. Consumers. A credit score discrepancy is a difference in your credit score from one credit bureau to another. So I subscribe to both Equifax and Experian and have two completely different credit reports and now, ratings, for both. This is free. We are Indianapolis’s only Licensed, Bonded & Insured full service credit consulting company, InCreditable Advisors, give us a call today and let us help you improve your credit at 317-202-1297 to schedule your appointment today. Hello everyone! Not too long ago I made a post about my cobalt application being denied despite my Equifax credit score being 793. See your credit utilization rate details for each bureau. Suzanne Kvilhaug. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. That’s the highest factor percentage, which means it’s critical to pay bills on time with no exceptions. Vantage scores are fickle things, anything could make the score change, heck the weather might affect for all I know. The credit scores and reports you see on Credit Karma should accurately reflect your credit information as reported by those bureaus. In this article, we’ll compare two of the major credit bureaus, TransUnion, and Equifax, and answer the question: which score matters more? Why is my Transunion score different. FICO. FTC's website on credit. At you can buy just a credit report and FICO score for $15. 95 per month to $19. Another invisible difference between these agencies is the data collected. Credit Karma isn’t a credit bureau, which means we don’t determine your credit scores. It could be because of a high reported balance on a credit card account, a new application for credit, or a sign of identity theft. If your total credit limit across all your cards were $10,000, you’d want to keep your total balances below $3,000 to limit the negative impact on your score. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data. Lenders like to see that the outstanding total balance on your credit cards is below 30% of what you have available. Credit Karma uses a different scoring system than the one mortgage lenders use. FICO 8 is more. First, it is important to understand what a FICO score is. On Credit Karma, my score are 797 and 806 for TransUnion and Equifax. They might also weigh your information differently depending on the type of credit account for which you've applied. A slight drop in your score may not be cause for worry, especially if you're consistently practicing good credit health habits . 0 scores. wrote: I'm in the same boat. High balances in comparison to credit limits can affect credit scores, and are a common reason for credit scores to fluctuate. I just applied for a new car loan, and - despite my published Equifax score of 780 - was surprised to be offered a rate lower than the rate reserved for "excellent" credit. The Bottom Line. So, you may have loan A which is reported to Experian, while loan B is reported to Equifax. On the home page, click on "View All Products. FICO is a separate product issued by a separate company. . 550. Delinquencies reported on a loan reported on one credit report, but not the others, is the most common reason why you'll see wide credit score. The information available online shows that Equifax uses an 81-month credit history. Why is my Experian score so much lower than TransUnion and Equifax? This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at any given time. Your credit report is a record of how you manage your money. Since the information on your credit reports at each bureau can differ, your Equifax credit score and FICO score can differ depending on which credit report is used to calculate the score. These are FICO 8 scores. This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at any given time. Each of the three nationwide consumer reporting agencies (Equifax, TransUnion and Experian) might include different reported information such as your current credit limits and account balances, as well as information on certain public records like a bankruptcy. 0 is between 720 and 780. 4/5 ( 61 votes ) Your Equifax score is lower than the other scores because there is a slight difference in what is reported to each credit agency and each one uses a slightly different method to score your system. Depending on what your scores are, you may wonder what they mean. It could be because of a high reported balance on a credit card account, a new application for credit, or a sign of identity theft. Got the credit report back in mail and it seems equifax beacon 5 (FICO score 5) came out like 30 points lower than Experian (FICO 2) and Transunion (FICO 4). 0. You have different credit scores, so your other credit score might be higher, or lower, than the TransUnion score you see on Credit. I have 755 with Transunion, and 646 with Equifax. 10% types of accounts, known as credit mix. Transunion Vs. All credit-scoring agencies, including TransUnion and Equifax, use proprietary scoring models, and despite the fact that credit scores are based on similar or the same factors, such as payment history and the number of accounts in good standing, each model can weigh some of these factors in a different way. Then I came directly here to myFICO and ran my FICO score. That's funny. For example, let's say you're going to buy a house. FICO defines the following credit ranges based on FICO® Score 8 credit scores: Exceptional: 800+. Takedown request | View complete. The credit bureaus may not have the exact same information on you. wrote: I'm in the same boat. Why is my Credit Karma Score much lower than FICO Score? I signed up for that $1 promotional 3 Bureaus report from an Experian company. For starters, Equifax and Transunion have their own proprietary algorithms, with each one assigning a different weighting to the. Score: 4. Editorial Note: Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our. 5/5 ( 12 votes ) The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. . A failure risk score will range from 1001-1,610, with a lower number meaning that the business is a high risk. It’s possible you have some pulling your score down on TransUnion that’s not showing up in your Equifax report. It's also the least friendly to those just starting out building credit. "The most widely used credit scoring model is the FICO 8, which is used by the three largest credit bureaus, Equifax, Experian, & TransUnion (The Big Three). 280 - 850. Equifax, meanwhile, uses its own scoring model with a range of 280 – 850, with “good” being 670 –. Length of credit history: 15%. Higher scores mean you have demonstrated responsible credit behavior in the past, which may make potential lenders and creditors more confident when evaluating a request for credit. Why is my Equifax score lower than TransUnion? The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. TransUnion 30%.